What should I be paying on insurance for modded 172 @ 24?

[len_beach]

My renewal is due soon on my 172. I currently pay £697 with Flux but have been paying annually at £67 PM which equates to £802 annualy and approximately 15% interest.

I have listed the mods below, 1 or 2 aren't listed on my current policy as I intend to carry them out in the near future but refuse to pay a £25 admin everytime I add something.

Guestimated flywheel output @ 195 with planned inlet map taken into account.

Stainless steel exhaust, Janspeed sports cat', Phase 1 Renault Clio 172 airbox, Pipercross panel filter, Cold air feeds to airbox, Silicone inlet elbow, Remap, OMP strut brace, Apex -40mm springs, Mintex Extreme front pads, Goodridge braided brake hoses, 1.2 door badges, Phase 1 Renault Clio 172 gear knob, Renault Clio Trophy rear hatch spoiler, Renault Clio Trophy front bumper splitter, New style Renault Sport and Clio boot badges, Civic Type R aerial, Ported and matched inlet manifold and plenum, polished (exterior) Plenum and fuel rail guard, body coloured engine cover.

I copied the list from Greenlight quote page LOL.

What should I be paying fully comprehensive on a 2002 172, parked on a driveway in Leeds (LS25), 12K PA, 5 years NCB, SP30 - 3 points April 2001, Claim - full loss due to theft November 2001.

I think that's everything.

 

[crow]

im 24 and have my ph1 on adrive in a high risk area! at mines £74 per month with priverlage

 

[shaun172mk1]

im 21 have a 172 ph1 and im 94 a month, with tesco

 

[Saundo]

At 24 my unmodded 182 cost me £750 a year including business use from Renault Insurance

 

[len_beach]

Sounds like i'm not doing too badly on my current policy.

 

[.Kev.]

Just insured my 02 172, im 24 have 4 years no claims and Tesco's quoted me £525 fully comp.

Needless to say i took them up on it. I asked the guy why Tesco's were so cheap and everyone else so expensive. He said Tesco's online are offering big discounts at the mo as they are trying to attract customers. Everyone else was quoting £750+

 

[makavelli]

i have pretty much the same mods as you mate and im 25 with 5years ncb

i pay just over 500 with protected no claims and 250 eccess

to be honest tho half of the stuff u have listed i havt declared as there was no need

i have declared: aftermarket seats, maxogen, coilovers, exhaust, remap

 

[Saundo]

i have pretty much the same mods as you mate and im 25 with 5years ncb

i pay just over 500 with protected no claims and 250 eccess

to be honest tho half of the stuff u have listed i havt declared as there was no need

i have declared: aftermarket seats, maxogen, coilovers, exhaust, remap

You say no need but if you have a bad crash and they inspect you car and find anything not listed they will pay you squat as your insurance will be invalid. You coud then be charged with drinving without insurance.

 

[makavelli]

i have pretty much the same mods as you mate and im 25 with 5years ncb

i pay just over 500 with protected no claims and 250 eccess

to be honest tho half of the stuff u have listed i havt declared as there was no need

i have declared: aftermarket seats, maxogen, coilovers, exhaust, remap

You say no need but if you have a bad crash and they inspect you car and find anything not listed they will pay you squat as your insurance will be invalid. You coud then be charged with drinving without insurance.

lol i declare everything that the insurance wants matey!

they aint gonna refuse to pay out for silly things like yellow badges instead of silver!

when i listed the mods off to my insurance company the guy told me they werent arsed about all the little things that make no difference to performance etc etc

 

[Saundo]

You say no need but if you have a bad crash and they inspect you car and find anything not listed they will pay you squat as your insurance will be invalid. You coud then be charged with drinving without insurance.

lol i declare everything that the insurance wants matey!

they aint gonna refuse to pay out for silly things like yellow badges instead of silver!

when i listed the mods off to my insurance company the guy told me they werent arsed about all the little things that make no difference to performance etc etc

Your alright then, Tesco told me anything but standars needed to be reported as did Renault Insurance, although they are the same company TBH

 

[makavelli]

lol i declare everything that the insurance wants matey!

they aint gonna refuse to pay out for silly things like yellow badges instead of silver!

when i listed the mods off to my insurance company the guy told me they werent arsed about all the little things that make no difference to performance etc etc

Your alright then, Tesco told me anything but standars needed to be reported as did Renault Insurance, although they are the same company TBH

i understand that some companies are really anal about stuff but ive been with flux for a good few years now and they are sound

they are very user friendly for performance cars, modded cars and kit cars and its great to talk to a person who knows about cars when ur working out a premium

when i originally went with direct line for a quote they told me there was no such thing as a 182 and that the only 2 litres renault do are diesels! wat a bunch of chumps

 

[Saundo]

lol, i went through a quote online with Norwich union to get told 'please call us for a quote on this car'. Called up and listened to 15mins of 'in minute one of our operators will quote you happy!' to then go through 10mins of questions to be told.... 'We dont insure people aged under 25 on this group of car' how exactly was i quoted happy!! Surely they could have told me that at the start lol

 

[S22 JGS]

if it helps im with greenlight as follows:

Mods all declared:
Alloys, H&R, Strut braces, Maxogen, Powerflow exhaust, stripped (including all airbags and belts), bucket seats, steering wheel, pagid blue brake pads, brembo HC discs, goodridge braided lines, front splitter.

Excess i think is £150 (might be wrong, but its low)

I took that out at 23, and im paying 700 i beleive.

They dont insure a decat though, so if you smash ure car, they wont pay out for a new one, ull get a std cat i think.

 

[Neil G]

£800 per annum for a 195bhp seems pretty expensive to me.

 

[JD]

You say no need but if you have a bad crash and they inspect you car and find anything not listed they will pay you squat as your insurance will be invalid. You coud then be charged with drinving without insurance.

lol i declare everything that the insurance wants matey!

they aint gonna refuse to pay out for silly things like yellow badges instead of silver!

when i listed the mods off to my insurance company the guy told me they werent arsed about all the little things that make no difference to performance etc etc

just a quick one andy mate, dont forget that middo almost got fooked over by his insurance for different coloured wheels :S

jamie

 

[makavelli]

lol i declare everything that the insurance wants matey!

they aint gonna refuse to pay out for silly things like yellow badges instead of silver!

when i listed the mods off to my insurance company the guy told me they werent arsed about all the little things that make no difference to performance etc etc

just a quick one andy mate, dont forget that middo almost got fooked over by his insurance for different coloured wheels :S

jamie

yeah i remember matey

all the mods which they said to declare i declared

i just havnt gone really anal like declaring silvervisions

andy

 

[Phoenix]

lmao....just red the first bit....and im paying 74 a month for my baby 1.4 clio with flux.....oh the joy of havin 2 accidnts and 3 points on my licence with no no claims

 

[W17GLE]

24 on a phase 1 172 in a high risk area on the drive £700with protected no claims £610 with out

 

[len_beach]

Cheeks fcukers. I've just had my renewal through, £682 excluding credit which is 39%!!!! That's gone up by £10 per month.

Off to Greenlight I go for a quote.

And balls to the credit. I'll get a Halifax One card with 0% on purchases for 12 months and whack it on that.

 

[Ali]

Leeds is what increases your premium...Its a ghetto!

I'm 21 pay 791 all mods in 1yrs ncb. had 3points.

 

[Russ_16v]

im 25 im paying 415 quid a year,thats with 7 yrs ncb and a ban lol

want it lower yet tho as its up for renewal in 7 weeks